83 Harper Ter, Cedar Grove, NJ 07009 Property Records

Essex County and Cedar Grove Township property record for 83 Harper Ter, Cedar Grove, NJ 07009

Property Summary

Property Type	Single Family Home
Details	1,912 sqft · built 1954
Lot Size	0.241 acres (10,489 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Jan 2002)
Tax Bill	$12,153 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-00022-0000-00025`

Property Details

APN / Parcel Number

Primary APN	`04-00022-0000-00025`
Alternative APN	`040002200025`

Interior

Stories	2 Stories
Building Area	1,912 sqft Living Area

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Construction Type	Frame
Lot Area	10,489 sqft (0.241 acres)
Lot Dimensions	152 ft deep x 69 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	040002200025
Street Address	83 HARPER TER
City	CEDAR GROVE
State	NJ
Zip	07009-2226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	69X152
Legal Block	22
Legal Lot Number	25
Jurisdiction	ESSEX NJ
Township / Civil Division	CEDAR GROVE
Census Block Group	2
Census Block	2007
Census Tract	21400

Owner

Source: Essex County and Cedar Grove Township records, as of July 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	83 HARPER TER, CEDAR GROVE, NJ 07009-2226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Jun 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FIN'L NTWK INC
Nov 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage ACRE MTG & FIN'L
Feb 28, 2017	Deed of Trust, Mortgage · Conventional with PMI ACRE MTG & FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2002 · Amount on Record
Deed Sale	Jan 11, 2002 · Amount on Record
Deed Book / Page	5852 / 230
Last Transfer Date	May 25, 2021
Transfer Doc	2021073492
Record Updated	Sep 20, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ESSEX NJ
Recording Date	Jun 14, 2021
Property Address	83 HARPER TER, CEDAR GROVE, NJ 07009-2226
Document Number	2021073492
Instrument Date	May 25, 2021
Instrument	2021073492
Transaction Type	Transfer
Record Updated	Jul 8, 2021
Title Company	MAJESTIC TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	181 LONG HILL RD # RD3, 181, LITTLE FALLS, NJ 07424-2050

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	83 HARPER TER, CEDAR GROVE, NJ 07009-2226

Mortgage

Document Number	2021073497
Date	Jun 14, 2021
Instrument	2021073497

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	83 HARPER TER, CEDAR GROVE, NJ 07009-2226
Document Number	0000058389
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Jul 8, 2020
Title Company	FIRST NATIONAL LAND TRANSFER, FIRST NAT'L LAND TRANSFER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	83 HARPER TER CEDAR GROVE NJ 070092226, CEDAR GROVE, NJ 07009-2226

Mortgage

Document Number	0000058389
Date	Jun 24, 2020
Instrument	58389

Lender

Name	AMERICAN FIN'L NTWK INC
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 23, 2040

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	83 HARPER TER, CEDAR GROVE, NJ 07009-2226
Document Number	0000109006
Instrument Date	Nov 30, 2017
Transaction Type	Mortgage
Record Updated	Mar 20, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	83 HARPER TER CEDAR GROVE NJ 070092226, CEDAR GROVE, NJ 07009-2226

Mortgage

Document Number	0000109006
Date	Dec 15, 2017
Instrument	109006

Lender

Name	ACRE MTG & FIN'L
Type	Mortgage Company
Address	MARLTON, NJ 08053

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 14, 2037

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	83 HARPER TER, CEDAR GROVE, NJ 07009-2226
Document Number	0000022445
Instrument Date	Feb 28, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	DOWNTOWN ABSTRACT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	83 HARPER TER CEDAR GROVE NJ 070092226, CEDAR GROVE, NJ 07009-2226

Mortgage

Document Number	0000022445
Date	Mar 13, 2017
Instrument	22445

Lender

Name	ACRE MTG & FIN'L
Type	Mortgage Company
Address	MARLTON, NJ 08053

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2047

Tax Assessment & Valuation

Source: Essex County and Cedar Grove Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Cedar Grove Township
Unified School District	Cedar Grove Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$781,700 (+72.83%) Land $388,800 Building $392,900	$781,700 (+72.83%) Land $388,800 Building $392,900
2025	$12,153.00 (+2.79%)	$452,300 (-) Land $245,900 Building $206,400	$452,300 (-) Land $245,900 Building $206,400
2024	$11,823.00 (+1.96%)
2023		$452,300 Land $245,900 Building $206,400	$452,300 Land $245,900 Building $206,400
2022	$11,596.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2012–2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 94% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CEDAR GROVE WATER DEPT serves 12,900 people · EPA ID NJ0704001
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2024
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 474 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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